Akuzange kubekho nto intsha, kuba yayiziindaba ezilindelweyo kwiimarike zezemali kwaye ke ngabo bonke abatyali mali. Ewe, uBanco Santander uthathe isigqibo sokumisela ukonyuka kwemali eyinkunzi efikelela kwi-7.072 yezigidi ze-euro, ngesaphulelo se-17,75%, esiza kuthi sixhase ngayo ukuthengwa kweBanco Popular. Kwelinye icala, iya kubonelela ngolwazi oluthe kratya malunga nomsebenzi obalulekileyo wokwenza imali kwiintsuku ezizayo.
Lo msitho wequmrhu uthetha ukuba ibhanki ebhejelwe nguAna Patricia Botín iya kukhupha i-1.458 yezigidi kwizabelo ezitsha yeklasi enye kunye nochungechunge njengale ikhoyo kunye ngokukhetha okukhethekileyo kokubhaliselwa kubanini zabelo zangoku. Ezi ziindaba ezichaphazela bobabini abaninizabelo kwiziko lezemali, kunye nabo balinde ukuthenga izabelo kwiqela lezemali ukusukela ngoku. Owona mbuzo uphambili kolu nyuso lwenkunzi kukuba ingaba iya kuba yinzuzo kusini na kwimidla yabatyali mali abancinci nabaphakathi.
Ngale ndlela, ukuba sele ungumnini zabelo weBanco Santander, kuya kufuneka uyazi ukuba uya kuba nakho ukubhalisela isabelo esitsha kwizabelo ezili-10 okwangoku. Ngexabiso lokukhupha i-4,85 euro ngesabelo ngasinye, emele isenzo ibonisa isaphulelo se-17,75%. Kwimeko nayiphi na imeko, kwaye ngolwazi lwalo mbutho, kuxhomekeke ekuvunyweni. incwadana engqinelanayo yiKhomishini kaZwelonke yoKhuseleko lweMarike. Awunakulibala ukuba kule kota, ibhanki izakusebenzisa intlawulo yokwahlulahlula ngokwesiko phakathi kwabanini zabelo.
Ukwandiswa kweSantander
Ngayiphi na imeko, awungekhe ulibale ukuba kukho imigaqo ethile yokuba ngumthathi-nxaxheba kolu nyuso lwenkunzi. Kuba ngenene, ukuba umbono wakho kukuya kuwo, uya kuba nakho ukwenza njalo ngeentsuku ezili-15 phakathi kukaJulayi 6 noJulayi 20, 2017. Kuqikelelwa ukuba iintshukumo ezintsha qala ukurhweba ukusuka nge-31 kaJulayi. Ngobutsha obuzokwazi ukufumana izabelo ngezabelo ezitsha ezithengiweyo.
Ngokumalunga nezahlulo, ibhodi yabalawuli ichazile injongo yayo yokucebisa ngesahlulo esihlawulwe kwi-2017 ye-0,22 yeuros ngesabelo ngasinye. Ngokubuya okungaguquguqukiyo nonyaka nge-5% kwaye yenye yezona zibalulekileyo kwii-equities zesizwe. Ukuya kwinqanaba lokuba ikwazi ukuthatha iqela elikhulu labathengisi elinephrofayili elondolozayo phakathi kwabanini zabelo. Njengokuba kunjalo nakwezinye iibhanki ezidweliswe kwimarike yemasheya, njengakwimeko ethile ye-BBVA.
Iziphumo zeshishini
Ingxelo yengeniso kaSantander ayinakulityalwa ukuze kukhethwe ukwamkelwa konyuso olubalulekileyo. Kuba ngenene, ekupheleni kwale nyanga kaJulayi thaca iiakhawunti ezihambelana nesemester yokuqala yonyaka. Apho, ngaphandle kwamathandabuzo, inokunika umkhondo ongaqhelekanga malunga nemisipha yeziko leziko. Kwaye ngubani owaziyo ukuba angakhetha ukuthengwa kwezabelo zakhe okanye ngokuchaseneyo phantsi kwesicwangciso esisekwe ekuhleleni izikhundla ezifunyenwe kwiinyanga ezidlulileyo.
Ukusuka kule meko ngokubanzi, uqikelelo lwezi ziphumo zeshishini lubonisa ukuba iBanco Santander ifumana inzuzo ebonakalayo malunga 3.600 yezigidi zeerandi, Oko kuthetha ukuba ngama-24% ngaphezulu kwangexesha elifanayo lonyaka ongaphambili. Konke ngaphandle kwento yokuba iindleko zonyuka zingaphantsi kwe-4%, ngelixa izibonelelo eziveliswa ziikhomishini ziqikelelwa ukuba zikhula ngaphantsi kwamanqanaba angaphezulu kwe-10%. Nakuphi na ukuphambuka kwezi akhawunti kungakhokelela ekwandeni kokungazinzi kumaxabiso ezabelo zabo. Ngandlela thile okanye kolunye uvuyo kubathengi nakubathengisi ngokulandelelana.
Iya kuba yidatha yokubaluleka okukhethekileyo ukufumanisa ukuba ingaba kufanelekile na ukuza kolu nyuso lweemali ezinkulu eziza kuqala. Nangona ekugqibeleni iya kuba sisigqibo sobuqu esiza kwenziwa ngabatyali zimali abancinci nabaphakathi. Ngexesha nje lonyaka elinzima njengeenyanga zasehlotyeni. Apho uninzi lwabo luthatha isigqibo sokuphumla imisebenzi yabo enxulumene nelizwe lemali. Ngayiphi na imeko, yenye indlela ethe yangeniswa kuwe ukuze ukwazi ukwenza igalelo lakho lemali libe yinzuzo.
Kuzinzile kwii-euro ezintandathu
Okwangoku kuseta ixabiso elijikeleze isithintelo seeyuro ezintandathu ngesabelo ngasinye. Kunye Inzuzo yonyaka isondele kwiipesenti ezingama-21. Yeyiphi eyona mbuyekezo ibalulekileyo yezabelo zamazwe. Ngaphezulu kwamanye amaziko emali kunye nezinye iinkampani ezidwelisiweyo ezinobunzima obukhulu kwi-Ibex 35. Akumangalisi ukuba i-2017 ingunyaka olungileyo kwimidla yequmrhu. Into yokuba bambalwa kakhulu abahlalutyi bezemali ababenayo ekuqaleni konyaka.
Ngayiphi na imeko, amathemba ayo angaphezulu, ngokokuqikelela kwabahlalutyi bezemali. Kunye ukuya kuthi ga kwiipesenti ezingama-20 kolunye uqikelelo oluqinisekileyo. Kuzo zonke, kuninzi lwabo zingaphezulu kwamaxabiso abo. Kunye nayo yonke imbuyekezo abayivelisayo ngokuqokelela izabelo minyaka le ngendlela emiselweyo neqinisekisiweyo. Ukuya kwinqanaba lokuba lelinye lamaxabiso acetyiswayo ziiarhente zezemali. Ukwenza icandelo elizinzileyo kwipotfoliyo yotyalo-mali emiselwe zonke iiprofayili zotyalo-mali. Ukusuka kwezona zinoburharha ukuya kwezona zilungeleleneyo kwiindlela zazo ezinxulumene nehlabathi elihlala linzima lemali.
Awunakulibala ukuba izabelo zeSantander zisezona ziphezulu kwiiseshoni zokurhweba zamva nje. Apho ithengisela khona kufutshane amanqanaba ee-euro ezisixhenxe kwisabelo ngasinye. Ngelixa ubuncinci bayo bukude kakhulu kwizikhundla apho. Ngokukodwa, weza ukutyelela amanqanaba asondele kakhulu kwii-euro ezintathu. Ukusuka apho aqala khona ukubuyela kwizikhundla zakhe ngamandla. Kwindlela elungileyo yokukhusela umdla wabatyali mali abancinci nabaphakathi.
Ibango ekuthengweni kweZaziwayo
Ezinye iindaba ezibambe ingqalelo yabatyali mali yinkqubo yokuthenga Banco Popular ngenxa yuro kuphela. Ewe, kule ngqiqo, ibhanki ibonisa ukuba "ukufunyanwa kwequmrhu kunokubandakanya izixhobo okanye amabango azo zonke iintlobo." Nangona okwangoku ezi ndaba zingavakali kwizicatshulwa zabo zemihla ngemihla. Kodwa ngokuchaseneyo, bacinge ukomelela kubunzulu bentshukumo yayo ephezulu. Kungenxa yokuba, akukho ntengiso inkulu kwiimarike zemali.
Nangona kungenakulityalwa ukuba, ngokweziko lezemali ngokwalo, kunokubakho "ifuthe elibi" kwiiakhawunti zabo. Ngenxa yoko izikhalazo ezivela kubathengi bangaphambili boDumo. Ngokubonakalisa ukwehla okuncinci kwixabiso lezabelo zalo, nangona ngexa lokungagungqi kakhulu. Le yenye yezinto ezinokuthi ziqwalaselwe zezinye zeengcali ezidumileyo kwiimarike zezabelo.
Ukuzimasa okanye ukungandi?
Nokuba yeyiphi indlela, inokuba yinto enomdla kakhulu ukuya kule ntshukumo intsha yesihloko. Ubuncinci kwifayile ye- ixesha eliphakathi nelide lokuhlala. Kwimeko apho ingeniso ephezulu kunaleyo yenziwe ziimveliso zengeniso esisigxina. Phakathi kwabanye, iidipozithi zexesha, amanqaku ebhanki okanye iibhondi. Yenziwe njengenye yeendlela zotyalo-mali onokuzisebenzisa ukuba ekugqibeleni ugqibe ekubeni uye kolu nyuso lwenkunzi nguBanco Santander.
Nangona kunjalo, ubeka umngcipheko omkhulu wokuba ixabiso lesabelo Unokudotshwa kwiiseshoni zokurhweba ezilandelayo. Ukuze ngale ndlela, ulahlekelwe yimali kulo msebenzi oza kuyiphuhlisa. Ngokukodwa ukuba ufuna ukuyenza inenzuzo ngamagama amafutshane. Yinto ekufuneka uyilindele kwangaphambili xa usenza ezi ntlobo zentshukumo. Ngapha koko, awunakululawula utshintsho kwimeko yeemarike zezabelo zamanye amazwe.
Enye into enokonakalisa umdla wakho kukutshintsha kwesicwangciso kwi amaxabiso enzala ngamagunya emali oluntu kwaye ngaphandle kwamathandabuzo inokuchaphazela imarike yemasheya yaseSpain. Kule meko, utshintsho olubonakalayo yi-ECB lungonakalisa ulindelo lwakho ngokuthengwa kwezabelo ezintsha zeSantander. Into enokuthi ibonakale kwangaphambili ekupheleni konyaka. Ixesha apho izabelo zakho ezitsha ziya kudweliswa khona.
Ngamafutshane, izibane kunye nezithunzi apho ukwamkelwa kwale misebenzi kwintengiso kuya kuthetha. Ukuya kwinqanaba lokuba kungasoloko kukho isiganeko esingalindelwanga esinokuthi sonakalise kakhulu umdla wakho njengomtyali mali omncinci nophakathi. Ubuncinci ekuqaleni ukusukela kumaxabiso ezenzo, njengokuba kwelinye icala kusengqiqweni, ziya kuhlanjululwa njengoko uninzi lwezabelo zidwelisiwe kwiimarike ingeniso eguquguqukayo. Ukubuyela ngokuthe ngcembe ekuqaleni kwamaxabiso oqobo kwaye iya kubekwa kwinqanaba langoku. Oko kukuthi, malunga nee-euro ezintandathu ngesabelo ngasinye.